Directory
Licensed lenders directory
Microfinance banks and approved digital lenders operating in Nigeria, with links to their official websites. We do not rate lenders, we never invent rates, and we make no “recommended” claims. You must verify licensing yourself.
Before you borrow: This directory is a starting point, not a guarantee. Confirm that a lender appears on the Central Bank of Nigeria’s official lists of licensed microfinance banks and approved digital lenders before you proceed. A link here is not an endorsement.
Independent information, not financial advice. microloans.ng is not a lender and does not collect loan applications. Verify any lender’s licensing with the Central Bank of Nigeria (CBN) before you borrow.
Microfinance banks
Microfinance banks (MFBs)
| Name | Type | Website | What they offer (one neutral line) |
|---|---|---|---|
| LAPO Microfinance Bank | MFB | lapomfb.com | Microloans and savings products aimed at low-income households and small enterprises. |
| AB Microfinance Bank | MFB | ab-mfb.com | Small business and personal lending plus savings through a licensed MFB. |
| Baobab Microfinance Bank | MFB | baobab.com.ng | Business and personal microloans, including for traders and SMEs. |
| Accion Microfinance Bank | MFB | accionmfb.com | Microfinance lending and savings services focused on low-income entrepreneurs. |
| Addosser Microfinance Bank | MFB | addosser.com | Savings and microcredit products for individuals and small businesses. |
| Mutual Trust Microfinance Bank | MFB | mutualtrust-mfb.com | Personal and business microfinance banking services, including loans and savings. |
Digital lenders
Digital lenders
| Name | Type | Website | What they offer (one neutral line) |
|---|---|---|---|
| Renmoney | Digital lender / MFB | renmoney.com | Online personal and business loans delivered through a digital platform. |
| Carbon | Digital lender | getcarbon.co | Digital credit, payments and savings via a mobile app. |
| FairMoney | Digital lender | fairmoney.ng | Instant digital loans, payments and other financial services through an app. |
| Branch | Digital lender | branch.co | Personal loans, savings and related services through a mobile app. |
How to use this directory: Visit each lender’s official website, and cross-check the name against the CBN’s published lists before you borrow. If a lender you are considering is not listed here, that alone does not mean it is unlicensed — but you should confirm its status before proceeding. Our guide to getting a microloan and spotting loan sharks explain what to look for.
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